That’s the thing—ND’s got its own quirks, and SR-22s aren’t exactly “set it and forget it.” I’ve seen folks try to save a few bucks online, only to en...

That’s the part people don’t always factor in—how much it stings when you actually have to use the insurance. I’ve seen folks go for years thinking th...

Honestly, I get where you’re coming from. Those “extras” always sound good on paper, but when you actually need them, it’s a mixed bag. Like you said:...

Exactly, sometimes those cheesy clips stick precisely because they're so over-the-top. I handle accident claims daily, and you'd be surprised how ofte...

I've handled a few claims up here, and honestly, I've never seen seasonal tires directly lower premiums. But insurers do sometimes give discounts for ...

Haha, gas station snack traps are legit. I once had a client who got rear-ended while leaving a gas station parking lot—he was fine, but when we were ...

Yeah, I see where you're coming from. Had a buddy who skipped comprehensive on his old Civic, figuring it wasn't worth it. Then a tree branch fell dur...

That's a good point about roadside assistance—learned that one the hard way myself. Few years back, I assumed rental coverage was standard until my ca...

Yeah, good point—usually insurers don't actively verify minor upgrades like stereos unless there's a claim involving theft or damage. Had a case once ...

Had a similar experience myself a couple years back. My side mirror got clipped while parked on the street—nothing major, but enough to be annoying. I...

From what I've seen, insurers usually care more about your typical driving environment and daily commute than occasional long-distance trips. A few ye...